Call reports 2008
ROSELLE BANK — 2008
What ROSELLE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 394,387,000 | 395,055,000 | 383,899,000 | 394,594,000 |
| Total loans | 91,195,000 | 95,040,000 | 100,120,000 | 103,636,000 |
| Allowance for loan losses | 554,000 | 566,000 | 578,000 | 650,000 |
| Securities available for sale | 275,118,000 | 273,894,000 | 260,297,000 | 251,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,057,000 | 311,987,000 | 303,568,000 | 308,615,000 |
| Interest-bearing deposits | 311,243,000 | 309,906,000 | 300,446,000 | 307,418,000 |
| Noninterest-bearing deposits | 1,814,000 | 2,081,000 | 3,122,000 | 1,197,000 |
| Equity capital | 62,273,000 | 60,972,000 | 54,942,000 | 60,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,844,000 | 9,699,000 | 14,519,000 | 19,239,000 |
| Interest expense | 3,232,000 | 6,290,000 | 9,161,000 | 11,900,000 |
| Net interest income | 1,612,000 | 3,409,000 | 5,358,000 | 7,339,000 |
| Noninterest income | 146,000 | 254,000 | 376,000 | 485,000 |
| Noninterest expense | 1,276,000 | 2,485,000 | 3,749,000 | 5,109,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 108,000 |
| Pretax income | 472,000 | 1,156,000 | -5,681,000 | -5,279,000 |
| Income tax | 76,000 | 237,000 | 459,000 | -2,464,000 |
| Net income | 396,000 | 919,000 | -6,140,000 | -2,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,743,000 | 61,176,000 | 56,712,000 | 56,322,000 |
| Total capital | 61,297,000 | 61,742,000 | 57,290,000 | 56,972,000 |
| Risk-weighted assets | 114,791,000 | 115,954,000 | 113,764,000 | 114,087,000 |